ADVERTISING DISCLOSURE: BeforeMortgageUSA.com is an informational directory, not an mortgage company or broker. We do not sell insurance or provide mortgage or financial advice. No broker-client relationship is created by using this site. No broker listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Browse fha loan specialists serving Berea, Kentucky. Contact information and addresses listed below.
8 agents listed
Updated May 2026
Berea, KY
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Kentucky before hiring.
Showing 8 fha loan specialists in Berea, KY
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
World Finance
226 Mini Mall Dr, Berea, KY 40403
8599861118
Heights Finance
405 Richmond Rd N Ste B, Berea, KY 40403
8599866000
James Alexander, Mortgage Banker, NMLS #54612
405 Richmond Rd N suite d, Berea, KY 40403
8595824751
Stockton Mortgage Berea, KY | NMLS# 8259
405 Richmond Rd N suite d, Berea, KY 40403
8593530933
JustChoice Lending
319 Oak St, Berea, KY 40403
8663670855
Fahe
319 Oak St, Berea, KY 40403
8599862321
Fifth Third Mortgage - Gayle Roberts
137 Oak Meadow Dr, Berea, KY 40403
5133580429
US Bank Mortgage
623 KY-21, Berea, KY 40403
8008722657
FHA loan specialists in Berea, Kentucky help homebuyers secure government-backed mortgages with lower down payments and flexible credit requirements. Kentucky law requires all mortgage loan originators to be licensed through the Kentucky Department of Financial Institutions. Berea residents often use FHA loans to purchase homes in Madison County, where median home prices remain affordable compared to national averages.
What Does a FHA Loan Specialist in Berea Cost?
Typical costs for FHA loan services in Kentucky include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual mortgage insurance premium of 0.45 to 1.05 percent. Lender origination fees range from 0.5 to 1.5 percent of the loan amount. Third-party costs such as appraisal, credit report, and title services add 500 to 1500 dollars. This is general information, not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does an FHA loan specialist in Berea do?
An FHA loan specialist guides borrowers through the FHA loan application process, including credit review, documentation, and lender selection. They help ensure the property meets FHA minimum property standards required by HUD. Specialists also advise on Kentucky-specific programs like the Kentucky Housing Corporation down payment assistance.
What are the FHA loan requirements in Kentucky?
FHA loans require a minimum 3.5 percent down payment with a credit score of 580 or higher. Borrowers must have a valid Social Security number and lawful residency. Kentucky law also mandates that all FHA loans must be originated by a licensed mortgage loan originator registered with the Nationwide Multistate Licensing System.
How do I find a qualified FHA loan specialist in Berea?
You can search the Nationwide Multistate Licensing System database to verify a specialist license status. Local banks, credit unions, and mortgage brokers in Berea often employ FHA-approved specialists. The Kentucky Department of Financial Institutions provides a public license lookup tool for verification.
Free • No Obligation
Compare FHA Loan Specialists
Get matched with agents in Berea who handle your type of case.
Affiliate Form Embed
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.
Legal Notice
BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Kentucky.